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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,558 | $55,470-90.0% | $155,556-96.4% | $74,478-92.5% |
| Participation rate | 41.6% | 61.9%-20.3pp | 78.2%-36.6pp | 67.2%-25.6pp |
| Annual return | 6.25% | 269.80%-263.6pp | 64.84%-58.6pp | 1370.56%-1364.3pp |
| Employer contribution / active EE | $491 | $2,267-78.3% | $4,675-89.5% | $2,626-81.3% |
| Participant deferral / active EE | $536 | $2,838-81.1% | $5,631-90.5% | $4,350-87.7% |
| Admin fee / account holder | $1,274 | $1,744-26.9% | $15,885-92.0% | $1,946-34.5% |